Quick question regards driving on a motorway

Digitalism

I just have a quick question. Right so, im on a provisional learner driver licence at the moment and am insured on the car im driving. When Im going to oxegen in a few weeks, is it legal to get a friend who has a full licence for years, but hes not insured on my car, to drive the motorway sections for me even if im in passenger seat? Is he allowed to do that or is that illegal?

kirving

Illegal. Him driving uninsured is worse than you driving on a Provisional on the Motorway. You could also be liable for allowing him to drive your car uninsured.

is he insured to drive other cars

kirving

Sorry yeah, If he is insured to drive other cars, and your insurance allows it, then thats ok.

Digitalism

Damn! ok cheers, I may have to go through Naas then!

Digitalism

bluewolf wrote: »

is he insured to drive other cars

Im not sure actually, hes on Quinn if that matters, I may check that out.

Digitalism

Digitalism wrote: »

Im not sure actually, hes on Quinn if that matters, I may check that out.

if he is fully comp he should check his details, he may have a "drive other cars" thing in it, in which case you can swap driving. I did it myself when I was a learner

Wats_in_a_name

With Quinn he would be insured to drive other cars even if his policy is just Third Party.

langdang

This topic (or similar comes) comes up every week.
The answer is - read the driver's (or potential driver's) policy info. If there is any doubt - contact the driver's (or potential driver's) insurer.

How would you even buy insurance and not know if it covered you to drive other cars under third party extension? Surely it's a regular occurrence for most people?

Alanstrainor

Wats_in_a_name wrote: »

With Quinn he would be insured to drive other cars even if his policy is just Third Party.

As always though he'll have to confirm that either by reading the policy docs or by ringing Quinn. My fully Comp policy does not allow me to drive other cars.

Victor Meldrew

Alanstrainor wrote: »

As always though he'll have to confirm that either by reading the policy docs or by ringing Quinn. My fully Comp policy does not allow me to drive other cars.

and folks,

the drive other cars option is only ever third party, so if Joe has comp on a Micra and drives tom's Porsche, and crashe's tom's porsche, neither tom or joe's policy will cover damage to the porsche..

bear that in mind when you let your mates drive your cars...

slimjimmc

Victor Meldrew wrote: »

and folks,

the drive other cars option is only ever third party, so if Joe has comp on a Micra and drives tom's Porsche, and crashe's tom's porsche, neither tom or joe's policy will cover damage to the porsche..

bear that in mind when you let your mates drive your cars...

I wouldn't say "only ever third party", a better term would be "usually third party". My Axa policy gives me comprehensive cover as standard on any car I drive.

OP, you should also be aware that 'driving other cars' cover may not extend to certain vehicles such as car vans, MPVs or SUVs.

-Corkie-

slimjimmc wrote: »

I wouldn't say "only ever third party", a better term would be "usually third party". My Axa policy gives me comprehensive cover as standard on any car I drive.

OP, you should also be aware that 'driving other cars' cover may not extend to certain vehicles such as car vans, MPVs or SUVs.

Every policy is different. OP should contact his insurance company for clarification rather than taking advice from random strangers on the internet.

maglite

Maybe I'm a simplton.
But the reason for having a Fully licensed Driver with you is so they can drive the car if you cant. ie you cant manage the hill start so you swap?

So should the insurance policy of a Learner not have a clause to let a Full licence drive it? I had't though this out before

mickdw

maglite wrote: »

Maybe I'm a simplton.
But the reason for having a Fully licensed Driver with you is so they can drive the car if you cant. ie you cant manage the hill start so you swap?

I dont agree. If the provisional driver cannot actually manage the basics of the controls of the car for hill starts etc, they should be in a duel control car - driving school car. IMO, the licenced driver is there to give advice and to ensure the very inexperienced driver doesnt get themselves into trouble in an unusual situation or whatever.

L1011

Alanstrainor wrote: »

As always though he'll have to confirm that either by reading the policy docs or by ringing Quinn. My fully Comp policy does not allow me to drive other cars.

Its across the board on Quinn - all fully licenced drivers have DOC cover, even if they're 17 and a half on TP-only.


This may be one of the reasons they're in receivership :pac:


I would imagine they do far more stringent checks on claims to ensure people aren't doing this as a method to be "insured" on a car they cannot insure in their own name, though.

galwaytt

slimjimmc wrote: »

I wouldn't say "only ever third party", a better term would be "usually third party". My Axa policy gives me comprehensive cover as standard on any car I drive.

...not doubting you, but I've never, ever seen one of those. I'd really like to see that, tbh...........is it an old legacy policy or something ??

I think of a several reason's why it shouldn't exist.....